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Health Insurance
Health insurance solutions that fit your needs
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Health Insurance
Protecting your own health and that of your loved ones is so important. From the preventive care that helps reduce the risk of developing a preventable illness, to coverage in the event of a serious illness, our individual health products are always by your side, every hour of the day, every day of the year.
Choose between our local and international plans, based on your budget and needs, and enjoy the support of a network of healthcare providers with the best‑in‑class coverage when you need it most.
Explore our Solutions
Individual Health Insurance
International Major Medical
Individual Health Insurance
International Major Medical
Health Trust
This individual health insurance offers coverage for medical expenses, guaranteeing each insured under the policy lifelong coverage with a renewable annual limit of USD $500,000. It includes life insurance protection of USD $20,000 for the primary insured, repatriation expenses up to USD $3,000, and funeral expenses up to USD $2,000.
Health Trust offers you extensive local and international coverage under the global PALIGMED network, including medical expenses, 100 percent coverage of emergencies from accidents, critical illness emergencies, hospitalization, outpatient surgeries, preventive exams, maternity, cancer treatments, outpatient expenses with co‑payment, telemedicine service, 24‑hour medical assistance, and other benefits.
Features:
- Policyholder and spouse aged 18 to 65, with residence in Panama
- Foreigners can apply for local coverage with their valid immigration card
- Dependent children up to 25 years old
- Children from 18 months to 18 years old
- Medical exams starting at age 50 (attained age)
Summary of Benefits:
- Maternity coverage
- Healthy newborn coverage up to USD 10,000
- Outpatient surgeries with special co‑payments at the leading hospitals in the country
- Single hospitalization co‑payment for the first 10 days
- Inclusion of dental emergency service
Think about everyone that depends on you today. Your Health Trust insurance is here to take care of you and everyone you love.
Family Medical Care
Family Medical Care is a medical expense insurance designed to protect the well‑being of your entire family, including the elderly. Each insured under the policy receives local coverage with a renewable annual limit of USD $50,000 for medical expenses, emergencies, hospitalization, outpatient and elective surgeries, preventive checkups, and other benefits.
The plan offers individual coverage for children. Family Medical Care accepts up to three preexisting conditions and offers guaranteed policy renewal for life.
Features:
- Policyholder and spouse aged 18 to 75, with residence in Panama
- Foreigners apply under the same requirements as citizens, with a valid passport
- Dependent children from 2 months to 18 years old
- Children can be insured individually, from 2 months to 18 years old
- Up to three pre‑existing conditions are accepted
- Guaranteed lifetime renewal
- Telemedicine service and 24‑hour medical assistance
Think about everyone that depends on you today. Your Family Medical Care insurance is here to take care of you and everyone you love.
FlexiCancer
This individual health insurance policy offers you financial support to help cover medical and hospital expenses resulting from a cancer diagnosis. FlexiCancer provides insureds with benefits that supplement other coverage.
It offers individual coverage and coverage for your entire family; the premium for family coverage is the same, regardless of the size of your family. The waiting period is 91 days from the policy’s effective date.
Summary of Benefits:
- Inpatient hospital coverage
- Income protection benefit
- Daily benefit for private physician and nurses
- Medical fees for surgery (for each surgical procedure)
- Treatments such as chemotherapy, radiotherapy, cobalt therapy, and x‑rays (per year)
- Blood and plasma benefit
- Local ambulance and air transport (per year)
Think about everyone that depends on you today. Your FlexiCancer insurance is here to take care of you and everyone you love.
Health Trust
Family Medical Care
FlexiCancer
This individual health insurance offers coverage for medical expenses, guaranteeing each insured under the policy lifelong coverage with a renewable annual limit of USD $500,000. It includes life insurance protection of USD $20,000 for the primary insured, repatriation expenses up to USD $3,000, and funeral expenses up to USD $2,000.
Health Trust offers you extensive local and international coverage under the global PALIGMED network, including medical expenses, 100 percent coverage of emergencies from accidents, critical illness emergencies, hospitalization, outpatient surgeries, preventive exams, maternity, cancer treatments, outpatient expenses with co‑payment, telemedicine service, 24‑hour medical assistance, and other benefits.
Features:
- Policyholder and spouse aged 18 to 65, with residence in Panama
- Foreigners can apply for local coverage with their valid immigration card
- Dependent children up to 25 years old
- Children from 18 months to 18 years old
- Medical exams starting at age 50 (attained age)
Summary of Benefits:
- Maternity coverage
- Healthy newborn coverage up to USD 10,000
- Outpatient surgeries with special co‑payments at the leading hospitals in the country
- Single hospitalization co‑payment for the first 10 days
- Inclusion of dental emergency service
Think about everyone that depends on you today. Your Health Trust insurance is here to take care of you and everyone you love.
For more demanding lifestyles, we have an international health insurance line with an international network and access to the best hospitals to care for you and your family, which covers hospitalizations, outpatient benefits, maternity, second medical opinion, and more.
Pan‑American WorldAccess
Pan‑American WorldAccess is designed to give you and your family global coverage with open access to the best hospitals, physicians, and healthcare around the world, including the United States.
Pan‑American WorldAccess is international major medical expense insurance that guarantees each insured under the policy coverage with a renewable annual limit of USD 5,000,000.
With exclusive benefits that fit your lifestyle:
Worldwide coverage | Protection in high‑risk sports or hobbies |
Hospitalization and outpatient treatment | Palliative care |
100 percent coverage of cancer treatment | No deductible for accidents |
Organ transplant | No deductible for travel coverage (Plans I, II, III) |
Maternity up to USD $10,000 | 50 percent reduction of deductible (Plans I, II, III) |
Preventive checkups | And many more benefits |
Think about everyone that depends on you today. Your Pan‑American WorldAccess insurance is here to take care of you and everyone you love.
Pan‑American PreferredAccess
Pan‑American PreferredAccess is designed to give you and your family global coverage with access to the best hospitals, physicians, and healthcare around the world, including the United States, through our exclusive preferred provider network, PALIGMED Select.
Pan‑American PreferredAccess is international major medical expense insurance that guarantees each insured under the policy coverage with a renewable annual limit of USD 3,000,000.
With exclusive benefits that fit your lifestyle:
Worldwide coverage, including the United States, through the preferred provider network | Protection in high‑risk sports or hobbies |
Hospitalization and outpatient treatment | Palliative care |
100 percent coverage of cancer treatment | No deductible for accidents |
Organ transplant | No deductible for travel coverage (Plans I, II, III) |
Maternity up to USD 4,500 | 50 percent reduction of deductible (Plans I, II, III) |
Preventive checkups | And many more benefits |
Think about everyone that depends on you today. Your Pan‑American PreferredAccess insurance is here to take care of you and everyone you love.
Pan‑American HealthAccess
We understand that your health, and the health of your loved ones deserve unique treatment, customized to your own needs.
Pan‑American HealthAccess offers a range of benefits, guaranteeing each insured under the policy coverage with a renewable annual limit of USD 1,000,000.
Pan‑American HealthAccess provides access to the best hospitals, physicians, and health care around the world and the United States, through our PALIGMED Essential network.
Pan‑American HealthAccess is designed to provide protection and peace of mind for you and your family with extensive coverage for medical expenses, hospitalization, outpatient treatment, cancer treatment, preventive checkups, no deductible for accidents, and other exclusive benefits.
You can choose maternity coverage providing up to USD 4,000, available in our Pan‑American HealthAccess Plus plan.
With exclusive benefits that fit your lifestyle:
Worldwide coverage, including the United States, through the preferred provider network | Palliative care |
Hospitalization and outpatient treatment | No deductible for accidents |
100 percent coverage of cancer treatment | No deductible for travel coverage (Plans I, II, III) |
Organ transplant | 50 percent reduction of deductible (Plans I, II, III) |
Preventive checkups | And many more benefits |
Protection in high‑risk sports or hobbies |
Think about everyone that depends on you today. Your Pan‑American HealthAccess insurance is here to take care of you and everyone you love.
Pan‑American WorldAccess
Pan‑American PreferredAccess
Pan‑American HealthAccess
Pan‑American WorldAccess is designed to give you and your family global coverage with open access to the best hospitals, physicians, and healthcare around the world, including the United States.
Pan‑American WorldAccess is international major medical expense insurance that guarantees each insured under the policy coverage with a renewable annual limit of USD 5,000,000.
With exclusive benefits that fit your lifestyle:
Worldwide coverage | Protection in high‑risk sports or hobbies |
Hospitalization and outpatient treatment | Palliative care |
100 percent coverage of cancer treatment | No deductible for accidents |
Organ transplant | No deductible for travel coverage (Plans I, II, III) |
Maternity up to USD $10,000 | 50 percent reduction of deductible (Plans I, II, III) |
Preventive checkups | And many more benefits |
Think about everyone that depends on you today. Your Pan‑American WorldAccess insurance is here to take care of you and everyone you love.
This is not an offer or solicitation to sell insurance products. The information above constitutes a summary of the different product benefits. It is not a contract or agreement. All products are subject to exclusions and other applicable terms and conditions.
Portal Access
Benefits Direct
Access Benefits Direct today to file claims, follow claim status, view policy eligibility and request authorizations.
IMM Direct
Visit IMM Direct for International Major Medical policy and application submissions and status quoting tools, client claims and commission payment schedules and status.
Member Portal
Access member portal today for your policy information, pre authorizations, obtain ID cards and much more.
Additional Resources
Resource Center
Access additional resources, forms, applications, product terms and conditions and additional policy benefits
PALIG Plus
A discount program offering attractive benefits at numerous participating businesses to help you save on your healthcare.
Telemedicine
PALIG offers its insureds Telemedicine. Consult with healthcare providers through video calls, phone calls, and more without a visit to a clinic.
